1. Introduction

Applicable Terms.  Gemedia Ltd is a brand of Torr Marketing (‘Gemedia Ltd’‘we’ or ‘us’), located at__________________________. Your use of Gemedia Ltd and its digital content or services (referred to as ‘Content’) available through Gemedia Ltd is subject to these Terms and Conditions (‘Terms’).

Content and Services.  Gemedia Ltd provides you the opportunity to visit our website and purchase content for your personal enjoyment. This content is displayed in a digital format on your computer or handheld device and not provided in hardcopy.

  1. Your Use of Service

Open an Account You must open a Finacademy.io account in order to access our Content. You will see that in order to open an account you will need to actively tick two boxes, one confirming your acceptance of our Terms and another confirming your acceptance of our privacy policy. You must fill out the correct and truthful personal data in order to access the content.

Access to and Use of Content. You will need a device that meets the system and compatibility requirements for the relevant Content, working Internet access and compatible software. Content may be offered by us or made available by third parties not affiliated with us. Finacademy.io is not responsible for and does not endorse any Content made available through Finacademy.io that originates from a source other than Finacademy.io.

Age Restrictions. In order to use Finacademy.io you must be at least 18 years old and lawfully able to accept these Terms.

Third-Party Fees. You are responsible for any access or data fees incurred from third parties in connection with your use and viewing of Content.

Information about You. Finacademy.io’s privacy policy explains how we treat your personal data and protect your privacy when using Finacademy.io. Finacademy.io may need to provide your personal information, such as your name and email address, to Providers for the purposes of processing your transactions or provisioning Content to you. Providers agree to use this information in accordance with their privacy policies.

Unauthorised Access to Accounts. You must keep your account details secure and must not share them with anyone else.

Disabled Accounts. If Finacademy.io disables access to your account in accordance with the Terms (for example if you violate the Terms), you may be prevented from accessing Finacademy.io, your account details or any files or other Content that is stored with your account.

Changes to these Terms. We may change, add or remove portions of these Terms at any time, which shall become effective immediately upon posting. It is your responsibility to review these Terms, and your continued use of this service indicates your acceptance of these changes. The new Terms will apply to your use of all Content (including Content that you have purchased in the past) and all subsequent purchases.

  1. Purchases and Payments

Purchase of Content. You are free to select the content you wish to purchase and place it in your shopping cart. When you are ready to pay for the content, you are required to click checkout. Your contract for the purchase of Content is completed once your purchased content is made available to you on your Finacademy.io account.

Payment Processing Methods. Finacademy.io makes available to you various payment processing methods to facilitate the purchase of Content through Finacademy.io. You must abide by any relevant terms and conditions or other legal agreement, whether with Finacademy.io or a third party, that governs your use of a given payment processing method. Finacademy.io may add or remove payment processing methods at its sole discretion. You are solely responsible for all amounts payable associated with purchases that you make on Finacademy.io.

Pricing. Pricing and availability of all Content displayed through Finacademy.io are subject to change at any time prior to purchase.

All Sales Final. All sales are final, and no returns, replacements or refunds are permitted.

  1. Rights and Restrictions

Licence to Use Content. After completing a transaction for Content, you will have the non-exclusive right, solely as expressly permitted in these Terms to store, access, view and use the applicable Content for your personal, non-commercial use only. All rights, title and interest in Finacademy.io and Content not expressly granted to you in the Terms are reserved.

Violation of Licence Terms. If you violate any of the Terms, your rights under this licence will immediately terminate, and Finacademy.io may terminate your access to Finacademy.io, the Content or your Finacademy.io Account without refund to you.

Restrictions: You may not:

  • Sell, rent, lease, redistribute, broadcast, transmit, communicate, modify, sublicense, transfer, assign any Content to any third party including with regard to any downloads of Content that you may obtain through Finacademy.io, except as specifically permitted and only in the exact manner provided;
  • Use Finacademy.io or any Content in conjunction with any stream-ripping, stream capture or similar software to record or create a copy of any Content that is presented to you in streaming format;
  • Use Content as part of any service for sharing, lending or multi-person use, or for the purpose of any other institution, except as specifically permitted and only in the exact manner provided;
  • Attempt to, or assist, authorise or encourage others to circumvent, disable or defeat any of the security features or components that protect, obfuscate or otherwise restrict access to any Content or Finacademy.io;
  • Remove any watermarks, labels or other legal or proprietary notices included in any Content, or attempt to modify any Content obtained through Finacademy.io, including any modification for the purpose of disguising or changing any indications of the ownership or source of Content.

Removal or Unavailability of Content. Subject to the Terms, if you are not able to download a copy of the Content, Finacademy.io may offer you either (a) a replacement of the Content if possible or (b) a full or partial refund of the price of the Content. If Finacademy.io issues you a refund, the refund shall be your sole remedy.

Complaints. Subject to the Terms, if you are not satisfied with the Content or our service, your first point of recourse is to contact us at support@finacademy.io so that we can consider your comments carefully and respond within 10 business days.

  1. Warranties and Disclaimers

Content as is. We provide our Content using a commercially reasonable level of skill and care. Other than as expressly set out in these Terms, neither Finacademy.io nor its suppliers or distributors make any specific promises about the Content. For example, we don’t make any commitments about its reliability or ability to meet your needs. We provide the Content “as is”.

Error free. To the fullest extent permitted by applicable law we do not represent or warrant that the content is reliable, current or error-free, will meet your requirements, or that defects in the content will be corrected. Further, we cannot and do not represent or warrant that the content or the delivery mechanism for the content is free of viruses or other harmful components.

Intended purpose. Content is intended and produced for general information purposes only and should not be relied upon as specific advice of any kind (whether professional, financial, technical or otherwise). Neither the content nor any services offered by Finacademy.io are intended to be relied upon as a professional guidance of your individual or your business’s specific circumstances.


Third Parties. Links or pointers to Internet websites maintained by others are “third party sites” and are meant for convenience only. Finacademy.io has no control over such sites and resources and is not responsible for the availability of such external sites or resources and does not endorse and assumes no responsibility or liability for any content, advertising, products or materials on or available from such sites or resources. Finacademy.io assumes no responsibility or liability, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such site or resource. It is up to you to take precautions to ensure that whatever service you engage in is suitable to you and your circumstances.

  1. Indemnification

To the fullest extent permitted by applicable law, you will indemnify, defend and hold harmless Finacademy.io and our respective past, present and future employees, officers, directors, contractors, consultants, equity holders, suppliers, vendors, service providers, parent companies, subsidiaries, affiliates, agents, representatives, predecessors, successors and assigns (the “Company Parties”) from and against all claims, demands, actions, damages, losses, costs and expenses (including attorneys’ fees) that arise from or relate to:

(i) your purchase or use of the content, (ii) your responsibilities or obligations under these Terms, (iii) your violation of these Terms, or (iv) your violation of any rights of any other person or entity.

  1. Our Liability

Limited Liability. We will not be responsible for lost profits, revenues, or data, financial losses or indirect, special, consequential, exemplary, or punitive damages. The total liability of Finacademy.io, and its suppliers and distributors, for any claims under these Terms, including for any implied warranties, is limited to the amount you paid to us.

  1. General

Jurisdiction. The laws of Bulgaria shall apply to this contract and shall hold exclusive jurisdiction over any dispute arising from them.


Severability. If any provision of these Terms is held unlawful, void or unenforceable, then that term will be severable from these Terms and will not affect the validity or enforceability of any remaining part of that term.